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Listed below are top 10 credit cards offered by HDFC.
HDFC Credit Card Variant | Annual Fee | Category |
---|---|---|
HDFC Bank Regalia First Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Diners Club Black Card | Rs.5,000 | Premium lifestyle |
HDFC Bank Regalia Card | Rs.2,500 | Premium lifestyle |
HDFC Freedom Credit Card | Rs.500 | Rewards |
HDFC Bank Money Back Credit Card | Rs.500 | Cashback |
HDFC Bank Titanium Times Card | Rs.500 | Regular lifestyle |
HDFC Bank Diners ClubMiles Card | Rs.1,000 | Premium lifestyle |
HDFC Bank Platinum Times Card | Rs.1,000 | Regular lifestyle |
JetPrivilege HDFC Bank Diners Club | Rs.5,000 | Premium travel |
(*BankBazaar is an authorized partner of HDFC Bank. You can apply for the credit cards on our website and get instant approval.)
HDFC Bank is one of the private sector banks to provide a huge range of credit cards. The bank currently offers more than 20 credit cards each customized to cater different needs. From travel to shopping to dining to premium, the bank has a card for every category.
All About HDFC Credit CardsKey Highlights: A premium HDFC Bank Regalia First Card that provides exclusive travel and lifestyle benefits.
Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.1,000 (For regular applicants).
Renewal Fee: Rs.1,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 1,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for free air tickets.
Suitable for: People who frequently visit international locations.
Key Highlights: Offered in partnership with Diners Club International, the HDFC Bank Diners Club Black Card provides world-class privileges in travel, lifestyle, golf, rewards, etc.
Joining fee: Rs.0 (For those applying on bankbazaar.com); Rs.10,000 (For regular applicants).
Renewal Fee: Rs.5,000 (From 2nd year). Waived if the total spends in the previous year exceed Rs.5 lakh.
Joining Bonus: 10,000 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption options: Redeem reward points for free air tickets, hotel bookings, Air Miles, JP Miles, KrisFlyer Miles, and for gifts on exclusive rewards catalogue.
Suitable for: People who frequently visit international locations.
Key Highlights: Designed for elite class, the HDFC Regalia Credit Card offers best of the benefits across various lifestyle categories.
Joining Fee: Rs.0 (For those applying on bankbazaar.com); Rs.2,500 (For regular applicants).
Renewal Fee: Rs.2,500 (From 2nd year). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: 2,500 reward points upon paying the joining fee.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for air ticket booking, hotel booking on hdfcbankregalia.com. Also convertible to Air Miles.
Suitable for: People who spend massively on their credit cards and travel frequently.
Key Highlights: One of the best reward credit cards, the HDFC Freedom Credit Card also offers spend based rewards and free accidental death insurance.
Joining fee: Rs.500
Renewal fee: Rs.500. Waived if the total spends in the previous year exceed Rs.60,000.
Joining bonus: 500 reward points upon paying the joining fee.
Features & benefits:
Rewards redemption option: Reward points can be redeemed for cash back or for gifts from the rewards catalog.
Suitable for: People who use credit card for all daily expenses.
Key Highlights: Redeem reward points for cash back against your HDFC Bank Moneyback Credit Card outstanding.
Joining fee: Rs.500
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: 500 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People who would like to cut their credit card annual maintenance.
Key Highlights: A low-cost, high-value HDFC Bank Titanium Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.500.
Renewal fee: Rs.500 (from 2nd year onwards).
Joining bonus: Gift vouchers from across categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for cashback against card outstanding, air miles and gifts from rewards catalogue.
Suitable for: People looking for a less maintenance credit card with benefits across categories.
Key Highlights: The HDFC Bank Diners ClubMiles Credit Card that comes with the best Miles Exchange Program. Offers Miles exchange across various airlines including British Airways, Jet Airways, Singapore Airlines, Trident, and Club Vistara.
Joining fee: Rs.1,000
Renewal fee: Rs.1,000 (Waived if the spends in the previous year exceed or equal to Rs.1 lakh).
Joining bonus: 1,000 reward points once the joining fee is paid.
Features and benefits:
Rewards redemption option: Redeem reward points for flight ticket or hotel bookings through Diners Club website. Can also be exchanged for Miles with both domestic and international airlines and hotels.
Suitable for: Globetrotters who use their credit card for most of the travel needs.
Key Highlights: A low-cost, high-value HDFC Bank Platinum Times Credit Card that provides benefits across various lifestyle categories.
Joining fee: Rs.1,000.
Renewal fee: Rs.1,000 (from 2nd year onwards).
Joining bonus: Gift vouchers from various lifestyle categories including shopping, dining, clothing, etc.
Features and benefits:
Rewards redemption option: Reward points can be redeemed for exclusive gifts from rewards catalogue.
Suitable for: People who are movie freaks and dine-out quite frequently.
Key Highlights: A co-sponsored JetPrivilege HDFC Bank Diners Club Credit Card that provides exclusive benefits on Jet Airways flight bookings.
Joining fee: Rs.10,000
Renewal fee: Rs.5,000 (2nd year onwards). Spend Rs.8 lakh to avail renewal fee waiver in the next year.
Joining bonus: Up to 30,000 bonus JPMiles and 15 Jet Privilege Tier Points within first 90 days of card set up.
Features and benefits:
Rewards redemption option: Reward points can be exchanged for JPMiles and the same can be redeemed for Jet Airways flight tickets.
Suitable for: People who prefer Jet Airways to other air carriers for all their local and international travels.
HDFC Credit Card Variant | Income Criteria | |
---|---|---|
Salaried | Self-employee | |
HDFC Regalia Credit Card | Gross income > Rs.1.2 lakh per month | ITR > Rs.12 lakh per annum |
HDFC Diners Club Black | Net income > Rs.1.75 lakh per month | ITR > Rs.21lakh per annum |
HDFC Regalia First | Gross income > Rs.40,000 per month | ITR > Rs.5lakh per annum |
Diners ClubMiles Credit Card | Net income > Rs.30,000 per month | ITR > Rs.3.6 lakh per annum |
Diners Club Premium | Net income > Rs.60,000 per month | ITR > Rs.7.2 lakh per annum |
Diners Club Rewardz | Net income > Rs.30,000 per month | ITR > Rs.3.6 lakh per annum |
Bharat CashBack Card | Gross income > Rs.12,000 per month | ITR > Rs.2 lakh per annum |
Freedom Card | Gross income > Rs.12,000 per month | ITR > Rs.2 lakh per annum |
MoneyBack Credit Card | - | - |
Age Criteria
Salaried – 21 to 60 years & For self-employed – 21 to 65 years
You can check eligibility for each HDFC credit card online using HDFC Bank official website and Bank Bazaar website.
Proof of Identity |
Any one of the documents
|
Address proof |
Any one of the documents
|
Income proof (For salaried) |
|
Income proof (For self-employed) |
|
HDFC may ask for additional documents based the applicant's profile. The above list is for reference purpose only.
BankBazaar is an official partner of HDFC Bank and offers paperless approval application process for some of its credit cards.
Through our website, you can check your eligibility for HDFC Credit Cards, apply and submit all the required documents online and enjoy a hassle-free application process.
Besides that BB.com provides the below-mentioned benefits for its users.
Follow the steps to apply for HDFC Credit Cards through BankBazaar.com
On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.
Listed below are the reward points offered on top 10 HDFC credit cards.
HDFC Credit Card Variant | Regular rewards points | Accelerated reward points |
---|---|---|
HDFC Bank Regalia First Card | 4 reward points on every Rs.150 spent | NA |
HDFC Bank Diners Club Black Card | 8 JPMiles for every Rs.150 spent | 3X JPMiles on every Jet Airways flight booking |
HDFC Bank Regalia Card | 4 reward points on every Rs.150 spent | NA |
HDFC Freedom Credit Card | 1 reward point on Rs.150 spent | 5X reward points on lifestyle spends; 10X RP for PayZapp and SmartBUY spends; 25X RP on birthday spends |
HDFC Bank Moneyback Credit Card | 2 reward points for every Rs.150 | 100% more RP on online spends. |
HDFC Bank Titanium Times Card | 2 reward points for every Rs.150 spent | 5 RP on dining spends during weekdays |
HDFC Bank Diners Club Miles Card | 4 reward points on every Rs.150 spent | 10X RP on international spends |
HDFC Bank Platinum Times Card | 3 reward points for every Rs.150 spent | 10 RP on dining spends during weekdays |
JetPrivilege HDFC Bank Diners Club | 8 JPMiles for every Rs.150 spent | 3X JPMiles on every Jet Airways flight booking |
HDFC Credit Card Variant | Annual Fee | Category |
---|---|---|
JetPrivilege HDFC Bank World | Rs.2,500 | Travel |
JetPrivilege HDFC Bank Platinum | Rs.1,000 | Travel |
JetPrivilege HDFC Bank Select or Titanium | Rs.1,000 | Travel |
HDFC Diners Club Black | Rs.5,000 | Travel |
HDFC Infinia Credit Card | Rs.10,000 | Premium lifestyle |
HDFC Solitaire | Rs.1,000 | Shopping |
HDFC AllMiles Credit Card | Rs.1,000 | Travel |
HDFC Doctors Superia | Rs.1,000 | Doctors with travel benefits |
HDFC Teachers Platinum | Rs.500 | Teachers with shopping benefits |
HDFC Platinum Edge | Rs.1,000 | Cashback |
HDFC Titanium Edge | Rs.1,000 | Dining |
Benefits & Features of JetPrivilege HDFC Bank World Credit Card
Benefits & Features of JetPrivilege HDFC Bank Platinum Credit Card :
Benefits & Features HDFC Diners Club Black Credit Card
Benefits & Features of HDFC Infinia Credit Cards:
Features and Benefits of HDFC Solitaire Credit Cards:
Features and Benefits of HDFC AllMiles Credit Card :
Features and Benefits of HDFC Platinum Edge credit card
Features and Benefits of HDFC Titanium Edge credit card
Credit Card | Category |
---|---|
Super Premium Credit Cards |
Infinia Regalia Diners Club Black |
Premium Women's Credit Cards |
Solitaire |
Co-Brand Credit Cards |
Platinum Times Card Titanium Times Card |
Premium Credit Cards |
Visa Signature World MasterCard Diners Club Premium Diners Club Rewardz |
Professional Credit Cards |
Doctor's Superia Teacher's Platinum |
Premium Travel Credit Cards |
Superia AllMiles |
Commercial Credit Cards |
Business Regalia Business Platinum Business Gold Corporate Platinum Corporate Visa Signature Corporate World MasterCard Corporate Card Purchase Card Distributor Card |
Yes, if you are an existing HDFC Bank credit card holder, there are two pre-approved loans offered - Insta Loan, within your credit card limit and Insta Jumbo Loan, available above the credit limit of your card.
Yes, you can transfer your outstanding balance from any other bank’s credit card to your new or existing HDFC Bank credit card and complete the payments with flexible EMI options.
The Smart EMI scheme allows you to easily convert your credit card purchases into monthly instalments with flexible tenures and attractive interest rates.
Customers can make online credit card payments free of charge, and also from other non-HDFC Bank accounts.
Yes, your credit card application status can be instantly got on the HDFC web portal by providing your application reference number, mobile number or date of birth.
Yes, HDFC credit card statements up to a period of six months can be viewed online by using the Credit Card Net Banking feature.
‘MyRewards’ from HDFC Bank is a unique reward points program presenting easy redemption options with a wide range of coupons and discounts to choose from. Customers can earn JPMiles from their Jet Airways/HDFC Bank co-branded credit cards.
Mostly, banks do not issue two credit cards to one person. However, if you have a good credit score, the bank may consider issuing two credit cards to you.
You will need to have a minimum salary of Rs.12,000 per month if you are a salaried person. If you are self-employed, you will need to have Rs.2 lakh per annum as your salary. You will also have to maintain a good credit score.
You can send a signed letter and request for increasing your credit card limit. You will have to also submit your income proofs. If you are a salaried person, then, you will have to also attach a self-attested copy of a recent salary slip.
Yes, HDFC credit card holders do have the option of converting their accumulated rewards points into Air-miles or Airline e-vouchers online. The number of reward points available currently for redemption can be got from a customer’s credit card statement.
Yes, you can apply for a HDFC credit card online, getting an e-approval in just three easy steps. Additionally, online applicants can enjoy special offers like lifetime free credit cards, Rs 250 cashback and 5X rewards points on purchases for the first three months.
As an existing HDFC Bank account holder, you can register for Credit Card Net Banking services by following the below given steps.
After logging into a HDFC NetBanking account, customers can view the following:
Customers can use any of the following modes of payments:
Why you should get a Credit Card today.
Scared that a Credit Card will make you a spendthrift? LOL!
Let’s talk about the benefits.
Break It Up, Boy (or Girl)
Why borrow big when you can just swipe big and then break it up into smaller affordable EMIs?
Return Gift
Spend using your Credit Card and get returns in the form of Cashback, offers and rewards.
Up Your Credit Score
Use your Credit Card wisely and you shall be awarded a good Credit Score. Don’t you want that?
Spending Tracker
Contrary to popular belief, a Credit Card can help you curb wasteful spending. Just study your card statement.
Credit Card = benefits galore.
Things That Matter When Applying For A Credit Card
Plastic money is a boon for many reasons. However, using Credit Cards responsibly is very important. We'll tell you about the things that matter when you apply for a Credit Card.
Your Income
This is the first thing that the card issuer will ask you. The more your income, the higher credit limit you will be eligible for.
Past Credit History
You've had a Credit Card before? You didn't pay the bills on time? If this is true, the banks might have put you on the defaulters list. Maintain a good credit history.
Why Do You Need A Credit Card?
Shopping, dining, travel, the list is endless. Choose a Credit Card that matches your lifestyle.
Age Matters
Your age also matters when you apply for a Credit Card. The credit limit may be lower for a person above 55 years. If you are between 18 -35 years, you can get a higher credit limit on your card.
Applying for a Credit Card is simple. We have a whole lot of amazing offers for you. Check them out now!
*Terms and conditions apply. Credit at the sole discretion of the bank.
Apple Store India has recently announced a new cashback and no-cost EMI offer for the customers who shop with a HDFC credit card. The new offer will be put into effect from 21 January 2021.
As per the new offer, customers who purchase Apple products from the online store will be able to avail a no-cost EMI scheme for 6 months and also avail a cashback of Rs.5,000. These offers will be applicable to orders worth Rs.44,900 or above. As per the terms and conditions of the gadget giant, only qualifying HDFC credit cards can be used for the cashback offer. In addition to that, the offer will be valid only on a single order of Rs.44,900 or above. Multiple orders cannot be clubbed together for the same. The cashback amount will be credited to the respective credit card within 7 days from the date of making the payment.
18 January 2021
The country’s largest private sector bank, HDFC Bank aims to expand its merchant franchise along with pushing credit card spends. The bank which accounts for 30% of all credit card spends in the country aims to do so by bargaining incentives for the customers with its merchant network.
HDFC Bank customers, according to RBI data, spent almost Rs.14,000 crore on their credit cards in July which constitutes nearly 72% of the pre-COVID peak in January 2020. HDFC Bank has since then partnered by Amazon for the online sale where the transactions were two times more than what was the original predictions.
The bank has launched its annual ‘festive treats’ campaign which will enable merchants to offer deals and will also enable customers to avail financing for their purchases during the festival season of October to December. The bank has also partnered up with Samsung, Apple, Tata and Reliance among other manufacturers and local merchants who will be included in their SmartBuy platform.
01 October 2020
On Tuesday, HDFC Bank said that the number of customers preferring to buy high-value products through EMI stands at an ‘all-time high’. The Head of consumer credit cards and digital acquisitions at HDFC Bank stated that despite the concerns being raised about asset quality given the high job losses and salary cuts, the bank is ‘bullish’ on the credit card equated monthly instalment (EMI) products.
He added that customers choosing to do larger spend by breaking them into simple EMIs was helping consumption. The trend of making purchases through EMI was visible across all segments of card holders. As per the official, over 70 percent of its customers are using e-commerce as against 47 percent earlier. He was hopeful that once the restrictions are lifted, there will be a huge surge in consumption.
On the ‘millennia’ line of cards which was launched in the month of August 2019, the bank has added 15 lakh customers.
09 September 2020
HDFC Bank has increased the interest rates and late payment fees on the revolving balances across its range of credit cards. Other than for the range of Infinia credit cards, the late payment fee has been increased by Rs.150 to Rs.300, which is effective from 1 September 2020. Till 1 August, those with an overdue balance of Rs.25,000 and more were being charged a late payment fee of Rs.950. The revised late payment fees is as follows: Those with outstanding dues between Rs.25,000 and Rs.50,000 will have to pay Rs.1,100 on late repayments. Those with outstanding balance exceeding Rs.50,000 will have to pay a late payment fee of Rs.1,300. Late payment fees will resume after the moratorium period ends.
The bank has also increased the interest rate on the revolving balance on certain credit cards to 3.6% monthly and 43.2% annually.
HDFC Bank has 1.45 crore credit cards in circulation as of 30 June 2020 with Rs.13,471 crore from a total of 3.6 crore transactions that month alone.
01 September 2020
Following the RBI guidelines, HDFC Bank is offering its customers an EMI moratorium on outstanding credit card dues and loans. The moratorium is being offered to help individuals financially during the coronavirus outbreak.
Last week, the Reserve Bank of India extended the EMIs on loans for a further three months until 31 August 2020. The moratorium is being offered to retail customers on an opt-out basis. It is important that customers know that the moratorium is a postponement of payments and the interest is not included. The minimum amount along with the interest that has been generated must be paid on 31 August 2020. Individuals who have availed any credit facilities or a loan before 31 March 2020 can avail the moratorium. However, the decision to provide the moratorium will be up to the bank. Individuals who have availed the earlier moratorium must provide a fresh application if they wish to continue the deferment of payments. However, you do have the option to choose the month.
03 June 2020
IndiGo Airlines, which is currently the largest airline group of the country have entered the finance sector by launching a co-branded credit card. This card, in partnership with HDFC Bank and MasterCard is called Ka-Ching and will be available in two variants which are – ‘6E Rewards’ and the premium credit card ‘6E Rewards XL
The card comes with a host of features and benefits, namely for the frequent flyers who choose IndiGo to fly with on a regular basis. The annual fee of the 6E Rewards card will be Rs.750 whereas the 6E Rewards XL will have a fee of Rs.3,000. During the launch, Country head of payment solutions and marketing, HDFC Bank mentioned that IndiGo operated by Interglobe Aviation Limited and HDFC Bank will be targeting 1 million cards in 3 years.
Once the credit card is activated, cardholders with the 6E Rewards Card will receive complimentary air tickets worth Rs.1,500 and 6E Rewards XL cardholders will receive air tickets worth Rs.3,000. The other benefits of these two credit cards will include complimentary lounge access, priority check-ins along with convenience fee discounts and waivers on fuel surcharge.
The loyalty program of IndiGo is much different than that of Vistara or what Jet Airways used to offer. The points can be earned only through the card and expenses made on it and will not be directly linked to the airline account.
02 March 2020
HDFC Bank has partnered up with Mastercard and SAP Concur to launch a new Corporate Credit Card specifically curated for business travellers. SAP Concur is a travel, expense and invoice management provider which will help keep an efficient track of all business expenses. The company has more than 12,000 corporate clients and this card can serve as a corporate credit card for those clients.
According to Parag Rao, group head of payment solutions and marketing at HDFC Bank, the bank is also set to close deals with around 35,000 corporate companies and this credit card can be effective there as well. He also mentioned that on an aggregate level, there is no slowdown in card spending. At the moment, the number of corporates HDFC Bank wishes to penetrate with the card is the goal.
A company’s expenditure on travel is directly proportional to its size and constitutes about 8%-10% of the company’s operational expenditure. According to Mr Rao, the bank would like to target 5,000 corporates in the upcoming 3 years. HDFC Bank have around 3,00,000 corporate cards functional and cover around 11,000 – 12,000 corporates already.
24 February 2020
On 18 February 2020, HDFC Bank launched a corporate credit card that is powered by MasterCard and SAP Concur Solutions so that fraudulent claims can be prevented, and out-of-pocket expenses can be eliminated.
The world’s leading technology company announced the strategic partnership that will allow Indian corporates to rethink the way they manage, reconcile, and pay for company spending. The corporate credit will be provided for HDFC Bank business travellers so that a one-stop solution is provided for the management of payments and expenses during a business trip. All business-related spending will be integrated into SAP Concur offerings, improving corporate efficiency, saving money, increasing visibility, and enhancing the employee experience. The corporate credit card will be supported by MasterCard. Some of the main features of the partnership are control of spends and upfront visibility, digital claim process, cashless payment, integration of partner apps, global Wi-Fi, and a complimentary lounge program. Currently, various challenges are faced by business travellers. Some of the challenges that are faced by business travellers are filing expense reports after a trip and managing the expenses that have incurred. The corporate credit card offered by HDFC Bank and SAP Concur Solutions aims at providing business travellers a productive and stress-free trip.
19 February 2020
Country’s largest mortgage lender HDFC Bank has upgraded its credit card platform which will offer new features to its customers. The upgrade, which is supposed to take place in phases, was carried out on 18 January between 1:00 a.m. and 12:00 p.m. The outage in services during the time was limited and customers were unable to access services such as netbanking, phone banking, and interactive voice response systems. However, purchases using credit cards, both online and offline could be carried out by cardholders. VisionPlus V10, which is the latest advancement in the global banking architecture will be incorporated in the credit card platform of HDFC Bank. This is the first time that a company will be witnessing a migration which will provide a super experience to its credit card users. With the VisionPlus technology, the bank will be able to enhance customer experience by providing quicker credit card dispute resolutions while also enabling it to be future-ready. After the upgrade existing HDFC Bank customers will be able to enjoy instant card generation facility.
20 January 2020
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